Ego Vinterop Wedding Designer

Hi, i was wondering whether wedding photographs would be part of the wedding insurance package together with the rest of it, or its something i should require from my wedding photographer? I remember photographers usually have something called public or employee liability, but i’m not sure, as i’ve heard different things from different people.

I think all UK wedding insurance policies provide cover should something go wrong with your photographs. You should be covered if either something goes wrong technically or if the photography company goes bust etc. The insurance company will then pay for you to ‘re-stage’ the wedding so that you can get the photographs.

I would have thought the photographer should have some form of public liability but this might only cover them if they injure or harm anyone.

It’s perhaps worth taking out wedding insurance anyway to cover other aspects of the day.

Hi, i was wondering whether wedding photographs would be part of the wedding insurance package together with the rest of it, or its something i should require from my wedding photographer? I remember photographers usually have something called public or employee liability, but i’m not sure, as i’ve heard different things from different people.

I think all UK wedding insurance policies provide cover should something go wrong with your photographs. You should be covered if either something goes wrong technically or if the photography company goes bust etc. The insurance company will then pay for you to ‘re-stage’ the wedding so that you can get the photographs.

I would have thought the photographer should have some form of public liability but this might only cover them if they injure or harm anyone.

It’s perhaps worth taking out wedding insurance anyway to cover other aspects of the day.

I had my rings on the stand next to the toilet and sink in our master bathroom. I went into the bedroom tog et something and I hear the toilet flush and when I went in there to see what he was doing my wedding rings were gone. We have State Farm for our homeowners insurance that covers our jewlrey for I think 2500 but will they cover something like this?

All homeowners policies give you the option to add extra coverage for furs, jewelry, etc etc.

If you don’t have specific jewelry coverage it probably won’t cover anything unless it was stolen from your home.

I live in Victoria (Australia), and my property is by a river. I have a friend who wants to hold their wedding and reception there but I can’t seem to find out what sort of insurance I need to cover myself!

You should contact your existing insurance company and ask them if they cover private parties. This assumes that you don’t get paid for the use of your property. If you get paid, then you will probably have to get a different type of insurance and maybe even have your friend sign a contract.

what does it do?

it protects you – if you lose your jobs and have to re-arrange,or the venue burns down or your dress is damaged.that is the purpose of it.you wouldn’t dare dream of going on holiday without travel insurance or buying a home and not getting home insurance,your wedding is the same:

http://www.confetti.co.uk/article/view/9893-8198-0-Why_Insure_Your_Wedding__Insurance.do

basically,it means that YOU don’t end up out of pocket – weddings are expensive enough without having some disaster put the whole day at risk!you can usually start a policy a maximum of 2 years before the day

I live in Victoria (Australia), and my property is by a river. I have a friend who wants to hold their wedding and reception there but I can’t seem to find out what sort of insurance I need to cover myself!

You should contact your existing insurance company and ask them if they cover private parties. This assumes that you don’t get paid for the use of your property. If you get paid, then you will probably have to get a different type of insurance and maybe even have your friend sign a contract.

There doesn’t seem to be any wedding insurance comparing sites out there.
So i’d thought i’d ask the advice of all you brides to be

x
Wedding insurance is insurance you take out on your wedding incase the worst happens. So you get your money back.

Weddings are expensive things you know..
It doesnt mean incase your fiance backs out! Its incase the comapny goes bust that you have bookings with.
For example, if your florist goes bust and you have paid sh*t loads of money for flowers that they cant pay you back.

You can claim on your insurance.

Serious answers only please. If you cant give a serious answer why even bother?

Wedding insurance is one of the most important expenses of a wedding, are you people serious!?! Especially in this economic climate, with thousands of businesses going bust everyday. My wedding insurance is through weddingplan and it was £27.50 for my £10,000 budget wedding. And it has already been useful. We had arranged suit hire through a company called ‘Greenwoods’ which has been put into administration and so have claimed back the £400 i had paid out for suits which would have other wise been lost, had i not took the common sense step of buying wedding insurance. I highly recommend Weddingplan.

God, why do people bother answering if they have no idea what you are talking about!!

I want to get my wedding ceremony and reception insured but can’t find a place to insure a wedding. Where Can I Get Wedding Insurance?

try the knot.com they offered an article awhile back on wedding insurance.It exists and it is usually only used to cover bad weather,an unexpected accident,or something like that it is usually doesn’t cover someone calling the wedding off.Here is an article about wedding insurance…don’t know if it will help:
Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. But what exactly is wedding insurance — and how does it work? Here’s the inside scoop.Before you buy wedding insurance, check with your each of your vendors to see how well they’re covered.

What is it?
Basically, wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn’t show up and you have to book another one the morning of the wedding — for three times the price? Or what if the groom’s custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of big-day financial losses that wedding insurance can help to protect.

Why Get Wedding Insurance?
Consider these scenarios:

Janet and Dan spend months planning their winter wedding. But on wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible) — including money for the invites, cake, catering, attire, and non-refundable deposits for ceremony musicians, floral designer, and other vendors.

The bride’s father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.

Right before the ceremony, Brittany’s gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard’s cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.

How Much Does it Cost?
A basic insurance policy that covers loss of photos, videos, attire, presents, rings, and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.

Do You Really Need it?
Before you buy wedding insurance, check with your each of your vendors to see how well they’re covered — your reception site or your caterer may already have their own insurance, so you wouldn’t want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren’t fully covered.

When Should You Get it?
The sooner the better. Let’s say you put a deposit on your reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you’ll be sure to get your deposit back. But note: most insurance companies have limitations on how far in advance you can purchase insurance.

What Does it Cover?
Problems with the site, weather, vendors, key people, sickness, or injury are the top concerns come wedding day. There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.

Site: Check to see if your ceremony and reception site is already insured. If it’s not, wedding insurance can cover the cost arising out of unavoidable cancellation (such as damage or inaccessibility to the ceremony site), if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage, or just plain closed down. Sometimes this policy covers the rehearsal dinner site, too.

Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential, or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved — such as ceremony flowers, tent rental, and reception food.

Vendor No-show: What if essential wedding people — the caterer or the officiant, for example — fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.

Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom, or anyone essential to the wedding.

Military or Job: It’s true, military personnel may be shipped out at a moment’s notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move — i.e. the bride’s company suddenly relocates her to another city.

Additional Coverage
Couples can take out supplemental policies to defend against damages incured by other wedding-related items such as photography, videography, and gifts.

Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed. Some policies will pay to re-stage the event — with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer, buying a new wedding cake, and new flowers.

Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.

Gifts: Whether they’re mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. A police report is usually required for stolen gifts. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to seven days depending on the specific policy) before or after the wedding, in order to be covered.

Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, the groom, and attendants at the ceremony.

Personal Liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mike to roast you or Uncle Murray suffers a Harvey Wallbanger wall banger).

Medical Coverage: This covers reasonable medical expenses (up to the policy’s limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.

Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner’s policy covers you if your luggage gets lifted, your trip is delayed, or you have to cancel. If not, you can a buy separate, trip-only policy. Call your insurer, or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.

Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent — and have him or her explain the nuts and bolts to you. You want to make sure you and your sweetie understand every detail of your policy.

–Julie Komorn(writter of this article)

We are getting married and having our reception in my parent’s backyard. We will be serving alcohol, and want to know if/where we can purchase insurance for that day. Is this something we can purchase off of my parents’ home owners policy or is there a separate type of policy we would need to purchase?

Travelers Insurance Company offers a Wedding Protector Plan that offers a wide variety of coverage for one small premium amount ranging from a low of $160 to an average of $500 depending on the size of your wedding and the extent of coverage you choose. The policy provides protection for repair or replacement of your Wedding Dress in case of loss or damage, reimbursement of your Lost Deposits in the event a vendor goes out of business or simply fails to show up, Lost Rings–you can receive repair or replacement if the bride or groom’s wedding bands are lost or damaged. The policy also covers if Severe Weather causes you to pospone your wedding they will provide reimbursement of non-recoverable expenses, Transportation Shutdown, Ruined Photos, Damaged Gifts, Sudden Illness, Liability for the Venue (i.e. your mother’s residence) are also covered. You can also purchase Liquor Liability Coverage to protect yourself and your mother against liability claims arising from alcohol-related occurrences (subject to policy conditions and exclusions).

You can visit a Travelers Agent to find out more information and/or purchase the policy or you can visit their website at http://www.agentprotectmywedding.com/

I hope this helps. Good Luck and congratulations on your upcoming Wedding!

Hi, I am getting married on the 15th Aug this year. We hadn’t taken out any insurance up to now but quite a few people we know have come down with swine flu and we don’t want to risk us getting near the wedding and possible having to cancel everything because we catch it. I am proberly going a bit over the top but I just don’t want to risk anything.If you took out wedding insurance can you let me know who you took the insurance out with??
Thanks

I think it’s certainly a good idea to think about wedding insurance, particularly with the concern of swine flu. Some UK wedding insurance providers, such as Debenhams, appear to also cover you should a close family member fall ill too.